Best Private Mortgage Lenders in Florida

HML Solutions Inc specializes in private hard money real estate loans without requiring credit reports or upfront fees. Their team offers tailored investment business purpose loans with transparent, fast closings and 24/7 support. Customers appreciate their clear communication and smooth, professional process, especially when timing is critical.

Specializing in a wide range of mortgage programs including FHA, VA, jumbo, and self-employed borrower loans, Bold Mortgage William A Ledesma offers options beyond traditional banks. The team is known for fast 21-day closings and clear communication throughout the process, helping both first-time buyers and investors in Miami-Dade. Customers appreciate their transparency and support, though the… more...

Specializing in a wide range of mortgage programs including FHA, VA, jumbo, and self-employed borrower loans, Bold Mortgage William A Ledesma offers options beyond traditional banks. The team is known for fast 21-day closings and clear communication throughout the process, helping both first-time buyers and investors in Miami-Dade. Customers appreciate their transparency and support, though the process can still feel detailed for those new to home financing.

Certified Reverse Mortgage Pro Phil Stevenson and his team at PS Mortgage Lending specialize in VA and reverse mortgages, bringing over 13 years of experience to each client. They guide borrowers through complex financing with clear communication and personalized support, though some may find their availability outside typical hours notable.

GoKapital specializes in alternative funding for small businesses, offering quick access to unsecured loans, commercial mortgages, and fix-and-flip financing. Their team guides borrowers through a straightforward application process, though some clients note that loan terms should be reviewed carefully. Many appreciate their professionalism and fast funding.

Elite Lending LLC is known for making the mortgage process clear and efficient, often helping clients close ahead of schedule. Their team assists with home loans and lending needs, providing thorough explanations and prompt communication. Customers appreciate their attentiveness and smooth handling, though a few mention occasional delays due to holidays.

Miami Mortgage Brokers specializes in handling complex and time-sensitive mortgage cases, often closing loans faster than many competitors. Their team offers a wide range of lending options tailored to different financial situations, with clients appreciating clear communication and steady support throughout the process. Some note that underwriting can be lengthy, but the brokers stay on top of… more...

Miami Mortgage Brokers specializes in handling complex and time-sensitive mortgage cases, often closing loans faster than many competitors. Their team offers a wide range of lending options tailored to different financial situations, with clients appreciating clear communication and steady support throughout the process. Some note that underwriting can be lengthy, but the brokers stay on top of deadlines to keep things moving.

With over 15 years of experience and connections to more than 130 private lenders, Lending Bankers Mortgage specializes in quick, straightforward mortgage solutions across South Florida. They assist with residential, refinance, construction, and condotel loans, and clients appreciate their clear communication and attentive support throughout the process.

Palm Beach First Financial and Mortgage focuses on guiding clients through the mortgage process with clear explanations and personalized support. Their team assists with home purchases, refinancing, and financing strategies, helping both first-time buyers and seasoned investors. Customers often highlight their responsiveness and thorough communication throughout the process.

RK Mortgage Group specializes in guiding clients through both residential and business mortgage needs with flexible options and competitive rates. The team is praised for clear communication and making complex processes feel manageable, though some clients note occasional delays outside their control. Their hands-on approach helps keep transactions moving smoothly.

Buena Vista Lending Group is known for its attentive team that guides clients through buying or refinancing a home with clear explanations and steady support. They offer mortgage services for first-time buyers, refinancing, and more, with customers appreciating their professionalism and responsiveness throughout the process. Some note the experience can be detailed, but the team remains available… more...

Buena Vista Lending Group is known for its attentive team that guides clients through buying or refinancing a home with clear explanations and steady support. They offer mortgage services for first-time buyers, refinancing, and more, with customers appreciating their professionalism and responsiveness throughout the process. Some note the experience can be detailed, but the team remains available to answer questions.

Palm Beach Mortgage Group, Inc. works with over 100 investors to offer a wide range of loan options, including fixed and adjustable-rate mortgages with flexible documentation requirements. Clients appreciate the team’s clear communication and fast turnaround, though some note the process can feel intense during busy periods.

1st Florida Lending specializes in private mortgage lending with licensed, experienced loan officers who provide personalized guidance. They assist borrowers through every step of the financing process, offering options especially helpful for self-employed buyers. Customers appreciate the team’s thorough communication and support, though some note the process can require patience.

Absolute Home Mortgage Corporation specializes in helping first-time homebuyers navigate the loan process with fixed-rate mortgages, renovation loans, and cash-out refinancing. Customers often appreciate the team’s professionalism and clear communication, though experiences vary and some have found the process challenging. The West Palm Beach branch focuses on community-oriented service and… more...

Absolute Home Mortgage Corporation specializes in helping first-time homebuyers navigate the loan process with fixed-rate mortgages, renovation loans, and cash-out refinancing. Customers often appreciate the team’s professionalism and clear communication, though experiences vary and some have found the process challenging. The West Palm Beach branch focuses on community-oriented service and pre-approval support.

Caliber Home Loans offers a wide range of mortgage options, including conforming, jumbo, and government loans, through multiple lending channels. Customers often highlight clear communication and helpful guidance throughout the process, though some have experienced delays and challenges with underwriting near closing. The team handles both loan origination and servicing nationwide.

Florida Funding specializes in personalized mortgage solutions aimed at helping clients achieve homeownership or lower their monthly payments. Their team offers FHA, VA, and conventional loans, with many customers appreciating clear communication and smooth transactions, though a few have noted occasional lapses in updates during the process.

Caliber Home Loans specializes in a range of mortgage options, including both conforming and non-conforming loans, supported by technology and experienced Loan Consultants. Customers appreciate the team’s responsiveness and professionalism, though some note occasional communication gaps during busy periods. The company offers services through wholesale, correspondent, and direct lending channels.

With nearly 80 years of experience, Tampa Bay Federal Credit Union offers local mortgage lending focused on helping members build equity and secure their financial future. The team provides personalized guidance through home purchases and refinancing, earning praise for their helpfulness and smooth transactions. Some customers note occasional wait times when contacting support.

Christian Penner PA specializes in guiding clients through mortgage loans and refinancing in West Palm Beach, with a focus on clear communication and personalized support. The team offers detailed consultations and uses tools like the Homebot App to help homeowners stay informed. Customers appreciate their responsiveness and thorough updates throughout the process.

Capital Fundings, LLC is a federally licensed direct private money lender specializing in real estate investment loans. Their team offers clear, upfront rates and fast closings, often helping clients secure funding when others can’t. Customers appreciate their straightforward communication and reliable service throughout the loan process.

Monroe Funding Corp specializes in fast approvals for hard money and commercial real estate loans, basing decisions on property value and condition rather than credit alone. Serving Florida homeowners and Virginia investors since 2008, their team handles loans on inhabited properties and multiple acquisitions simultaneously. Customers appreciate their smooth process and clear communication… more...

Monroe Funding Corp specializes in fast approvals for hard money and commercial real estate loans, basing decisions on property value and condition rather than credit alone. Serving Florida homeowners and Virginia investors since 2008, their team handles loans on inhabited properties and multiple acquisitions simultaneously. Customers appreciate their smooth process and clear communication throughout each deal.

Specializing in reverse and conventional home mortgages, Marimark Mortgage, LLC offers FHA, VA, USDA loans, refinancing, and cash-out options with a focus on smooth, timely transactions and clear communication. Customers appreciate the team’s thoroughness and responsiveness, noting consistent updates and quick answers throughout the process.

Capital Funding Financial specializes in hard money and rental loans designed for real estate investors, offering fast closings often within days. Their team works directly with borrowers nationwide, providing clear communication and reliable funding backed by their own capital. Some clients note the process moves quickly, which suits those needing speed over lengthy underwriting.

With over 27 years of experience and access to more than 50 lenders, Dream House Mortgage offers personalized financing solutions for buyers, investors, and those refinancing. Their services include a variety of loan programs and bilingual support in English, Spanish, and Chinese. Customers appreciate their clear communication and fast, responsive service throughout the mortgage process.

Associates Home Loan of Florida, Inc. specializes in hard money, subprime, and equity-based loans for residential and commercial properties across Florida. The team assists clients with purchases and refinancing, often working with those who have less-than-perfect credit. While customers appreciate their personalized support, some note that rates and terms can be higher than traditional lenders.

LendingOne specializes in providing streamlined loans specifically for experienced real estate investors, focusing on faster approvals and simpler online applications. They offer various financing options, including cash-out refinances and 30-year fixed rates for rental properties. While their team is praised for responsiveness and clear communication, new investors may find their criteria strict.

Ocean Capital Lending, LLC offers a broad range of mortgage products including FHA, VA, USDA, and portfolio loans through an aggressive lending platform. The team is known for clear communication and thorough guidance, helping clients navigate challenges with patience and professionalism throughout buying or refinancing. Some customers note occasional delays but appreciate the attentive support.

With over 30 years of experience, American Dream Home Mortgage focuses on personalized service to help clients navigate homebuying and refinancing. The team works quickly to meet closing deadlines and keeps borrowers informed throughout the process. Customers appreciate their responsiveness, though occasional communication with third parties can be uneven.

Specializing in creative, “outside the box” financing, Pro Option Mortgage has been helping clients secure private mortgage loans since 2005. The team offers tailored solutions for challenging credit situations and investment properties, with many customers appreciating their responsiveness and persistence, though the process can sometimes take longer than conventional lending.

Known for clear communication and patient guidance, this team helps clients navigate home financing from pre-approval to closing. They offer a variety of mortgage options, including fixed-rate and adjustable-rate loans, and are praised for responsiveness and thorough explanations. Some clients note occasional after-hours availability.

HardMoney Company specializes in fast, flexible hard money loans ranging from $50K to $5M, serving clients across the Mid-Atlantic and South Florida regions. The team handles acquisitions, bridge loans, and cash-outs, with many customers appreciating their responsiveness and willingness to meet quickly, though some have noted a tough approach.